Trip.com Credit Card: Best Cards for Flights, Hotels and Rewards

Using the right credit card on Trip.com can help you save more on flights and hotels. Some cards offer cashback, miles, or travel perks, so it’s worth comparing to get the best value for your booking.

Trip.com Credit Card | Earn Trip Coins & Membership Cashback

Before tapping your card, make sure to unlock instant savings with Trip.com’s Membership Program. Collect Trip Coins by booking trips, leaving reviews, or sharing your travel experiences. These coins work like cashback:

• 100 Trip Coins = ₱58 (approx. $1 USD) off hotels, flights, tours, and more.
• No minimum required, so you can apply them even for small savings.
• Combine Trip Coins with member-only offers for extra value.

Best Credit Cards for Miles on Trip.com

1. Metrobank Travel Signature Visa

Earn Rate: 1 mile per ₱30 spend on all categories (local and international).

Key Benefits:

• Lowest Forex Fee: Only 1.68% for overseas and online foreign currency spend.
• Airport Luxury: Unlimited local lounge access at NAIA (PAGSS/Plaza Premium).
• Travel Promos: Exclusive early access to the Metrobank Travel Fair and up to ₱10,000 cashback on airline bookings during major sale events.

Requirements:

• Minimum Annual Income: ₱700,000.
• Must be a principal cardholder with another bank (min. ₱150k limit) for at least 9 months.

2. BPI Signature Card

Earn Rate: 1 mile per ₱50 spend on all categories (Local & International).

Key Benefits:

• Low Forex Fee: A flat 1.85% fee on all overseas purchases, making it one of the lowest and most consistent rates in the Philippines.
• Premium Comfort: Complimentary access to PAGSS (NAIA 1) and Marhaba (NAIA 3) lounges for the cardholder.
• Exclusive Discounts: Access to "Signature Deals" with up to 50% off on high-end dining and resorts.
• High-Value Insurance: Up to ₱20M travel accident and inconvenience coverage.

Requirements:

• Minimum Annual Income: ₱1.2 Million.
• Annual Fee: ₱5,500 (Free for the first year).

3. RCBC Visa Platinum

Earn Rate:

• 1 mile per ₱25 on overseas and online international purchases (including Trip.com)
• ₱48 per mile for local spend

Key Benefits:

• Flexible Installments: Use "Unli 0%" to split any travel purchase into 3 monthly payments at zero interest, perfect for managing big Trip.com bookings.
• Everlasting Rewards: Miles earned (Preferred Airmiles) never expire and convert 1:1 to major airlines.
• Airport Comfort: Unlimited free access to PAGSS Lounges (NAIA 1 & 3).
• Purchase Protection: Up to US$1,000 coverage for online shopping losses or damages.

Requirements:

• Membership Fee: ₱5,000 (Free for the first year).
• Conversion: 1 Preferred Airmile = 1 Mabuhay Mile / Asia Mile / AirAsia Point.

Best Credit Cards for Cashback on Trip.com

1. HSBC Live+ Cashback Credit Card

Earn Rate: 8% (Dining), 5% (Shopping/Groceries/Entertainment), 2% (Fast Food).

Key Benefits:

• Hassle-Free Rebates: Cashback is automatically credited as a statement credit every month—no redemption required.
• Dining Discounts: Instant 15% off at hundreds of partner restaurants in the Philippines and across SE Asia.
• Travel Security: Free ₱10M travel insurance and protection against online shopping issues (up to USD 200).

Requirements:

• Minimum Annual Income: ₱400,000.
• Spend ₱10,000 monthly to trigger the high cashback rates.
• Must have an existing credit card (locally issued) for at least 6 months.

2. Security Bank Complete Cashback Platinum

Earn Rate: 5% (Groceries), 4% (Gas), 3% (Utilities), 2% (Dining), 1% (Shopping).

Key Benefits:

• The "Daily Driver": Automatically saves you money on five essential expense categories without any minimum spend requirements.
• Statement Credits: Rebates appear directly on your bill, reducing your amount due instantly.
• First-Year Perk: Annual fee is waived for the first year.

Requirements:

• Minimum Annual Income: ₱780,000.
• Monthly Cashback Cap: ₱1,100 (₱350 max per category).
• Best used for physical, in-store transactions within the Philippines.

3. American Express® Cashback Credit Card (BDO)

Earn Rate: 2% (Overseas & Online Int'l) | 1% (Local).

Key Benefits:

• No Limits: Unlimited cashback with zero minimum spend and no monthly caps.
• Travel-Ready: Earn a flat 2% back on every dollar or peso spent abroad or on international travel sites.
• Shopping Security: Built-in protection against loss or damage for your new purchases (up to ₱250k/year).
• Global Access: Enjoy "American Express Selects" for worldwide dining and travel discounts.

Requirements:

• Monthly Fee: ₱250 (Free for the first year).
• No minimum spend to earn.

Trip.com Credit Card vs Other Payment Methods

Trip.com supports global payment methods like,

• Credit/Debit Cards: Visa, Mastercard, Amex, UnionPay, and more.
• Digital Wallets: PayPal, Apple Pay (iOS), Google Pay (Android/Web).
• Trip Coins & Gift Cards: Offset costs instantly with earned coins or prepaid gift cards.

Trip.com Credit Card vs. Other Payment Methods